Oct 15, 2026
Choosing between B2B payment solutions and small business financing requires understanding a fundamental distinction: these products serve entirely different purposes. While TreviPay provides enterprise trade credit infrastructure and Forward Financing provides small businesses with revenue-based financing and business loan options for their own operations, Resolve Pay delivers net terms financing that enables mid-market B2B suppliers to offer payment terms to their customers while accelerating access to cash and reducing exposure to covered buyer credit risk. Understanding these differences helps manufacturers, distributors, and wholesalers select the right approach for their specific operational needs and growth objectives.
Key Takeaways
- TreviPay and Forward Financing serve fundamentally different purposes: TreviPay enables sellers to extend credit to business buyers, while Forward Financing provides revenue-based financing and business loan options directly to small businesses for operational needs
- Resolve Pay serves B2B suppliers that need non-recourse net terms financing, credit decisioning, and accounts receivable automation without requiring a large enterprise deployment
- TreviPay reports powering more than $8B in global trade and provides B2B payments and invoicing infrastructure for enterprise organizations
- Forward Financing provides small businesses with revenue-based financing and business loan options for operational working capital
- Resolve Pay provides non-recourse advances on eligible approved invoices, helping sellers reduce exposure to covered buyer credit defaults while retaining the amount advanced, subject to the applicable agreement and repurchase provisions
- Implementation approaches vary: Resolve Pay can typically be set up within days, while TreviPay's enterprise implementation services can launch programs in as little as six weeks. Forward Financing financing decisions are typically available within hours
Understanding B2B Payment Solutions vs Business Financing
The B2B financial technology landscape encompasses distinct product categories that solve different problems for different customers. Confusion often arises when businesses search for financing options without understanding whether they need to finance their customers' purchases or their own operations.
Trade credit platforms like TreviPay and Resolve Pay enable sellers to extend payment terms to their business buyers. The seller offers Net 30, 60, or 90 payment terms, receives cash upfront (or shortly after), and the platform handles credit assessment, collections, and often assumes some or all default risk. The buyer benefits from flexible payment terms while the seller maintains healthy cash flow.
Small business financing providers like Forward Financing provide capital directly to business owners for operational needs. Forward Financing offers both revenue-based financing and business loans, with the applicable payment structure depending on the product selected.
The critical distinction: With trade credit platforms, your customers receive the credit. With business financing providers, you receive the capital. A B2B supplier might use both: a trade credit platform to finance customer purchases and separate working capital arrangements to cover their own operational needs.
This comparison examines how each solution serves its intended purpose and why Resolve Pay represents the optimal choice for mid-market B2B suppliers seeking to offer net terms while reducing credit risk exposure.
TreviPay
TreviPay's Enterprise Focus
TreviPay operates as an enterprise B2B payments and invoicing provider with more than four decades of experience. The company reports powering more than $8B in global trade and supports international B2B payment programs across multiple markets and currencies.
The company earned recognition as an IDC MarketScape Leader for Embedded Payment Applications, reflecting its position in the enterprise segment. TreviPay's heritage spans four decades of serving Fortune 500 companies with complex trade credit requirements.
Global Multi-Channel Capabilities
TreviPay's infrastructure supports multi-channel commerce including online, in-store, mobile, and field sales transactions. The platform integrates with enterprise procurement systems like Ariba, JAGGAER, and Coupa, enabling B2B payments through established corporate purchasing workflows.
Global capabilities include:
- Localized invoicing across 30+ countries
- Multi-currency support for 10+ currencies
- Compliance with international e-invoicing standards including XML, EDI, and cXML formats
- Enterprise ERP integration through custom API implementation
- Advanced dealer management system connections
Managed Services Model
TreviPay offers fully managed AR and collections services for enterprises seeking to outsource these functions entirely. The platform provides dedicated buyer credit lines, Pay by Invoice options at checkout, and comprehensive receivables management.
Risk models offer flexibility between shared-risk arrangements and full-risk assumptions depending on enterprise preferences and contract structures. This contrasts with Resolve Pay's straightforward non-recourse advances on eligible approved invoices.
Implementation Approach
TreviPay states that its managed enterprise implementation services can launch programs in as little as six weeks. This timeline reflects the complexity of integrating with enterprise ERPs, procurement systems, and multi-channel commerce environments.
TreviPay structures commercial arrangements based on the enterprise program and services selected.
TreviPay's Enterprise Model
TreviPay is positioned around enterprise B2B payments, invoicing, global trade credit programs, and managed accounts receivable workflows for organizations with:
- Operations across multiple countries with multi-currency requirements
- Enterprise procurement system integration needs
- Demand for fully managed AR/collections outsourcing
- Significant IT resources for implementation
- Enterprise-scale transaction volumes
Forward Financing
Forward Financing's Working Capital Model
Forward Financing provides working capital directly to small businesses through revenue-based financing and business loan products. Unlike trade credit platforms that finance approved customer purchases, its products provide capital for the business's own operational needs, including payroll, inventory, equipment, and cash flow requirements.
The company currently reports providing more than $5.7 billion in capital to more than 100,000 small businesses. Forward Financing offers financing across hundreds of industry segments.
Revenue-Based Financing Structure
Forward Financing offers revenue-based financing in which payments are tied to a percentage of business revenue. It also offers a separate business loan product, with payment terms determined by the applicable financing agreement. Businesses receive capital and repay through daily or weekly automatic withdrawals.
Funding amounts range from $5,000 to $500,000 with credit requirements focusing on cash flow rather than traditional credit scores. The platform serves businesses with credit scores starting around 500, making capital accessible to companies that may not qualify for traditional bank loans.
Customer reviews average 4.6/5 stars across 4,130 reviews on third-party review platforms, with feedback highlighting fast funding times, professional customer service, and streamlined application processes. Forward Financing currently holds an A+ BBB rating. A BBB rating reflects the Better Business Bureau's assessment and is not a regulatory designation.
Forward Financing's Small Business Financing Model
Forward Financing provides small businesses with operational capital through revenue-based financing and business loan products for owners who need:
- Working capital for business operations including payroll, inventory, and equipment
- Fast access to capital based on revenue and cash flow
- Flexible repayment structures
- Capital in the $5,000 to $500,000 range
Resolve Pay
Resolve Pay's Approach to B2B Net Terms
Resolve Pay operates as a B2B payments platform specifically designed for manufacturers, distributors, and wholesalers who want to offer net payment terms to business buyers while maintaining healthy cash flow and reducing credit risk exposure. The platform emerged as a spinout from Affirm, bringing consumer BNPL expertise to the B2B commerce space.
The core value proposition centers on non-recourse financing. When a seller offers Net 30, 60, or 90 terms through Resolve Pay, the platform advances up to 90-100% of invoice value within 24 hours. The remaining balance releases when the buyer pays. If an eligible approved buyer defaults on a covered invoice, Resolve Pay's non-recourse structure means the seller generally keeps the amount already advanced, subject to the applicable agreement and repurchase provisions.
This non-recourse model fundamentally changes the risk equation for B2B sellers. Traditional approaches require sellers to either:
- Self-finance net terms, tying up working capital for 30-90 days and accepting default risk
- Use factoring, which often involves recourse agreements where the seller repurchases unpaid invoices
- Decline net terms requests, potentially losing sales to competitors who offer payment flexibility
Resolve Pay helps sellers offer net terms while reducing exposure to covered buyer credit risk and avoiding long receivables waits on eligible approved invoices.
AI-Powered Credit and Collections
The platform's AI Credit Engine evaluates buyer creditworthiness using thousands of data points including cash flow trends, payment history, and behavioral signals. Credit decisions arrive in under 24 hours, with instant approvals available for purchases up to certain thresholds. This replaces manual trade reference calls and spreadsheet tracking that consume finance team time.
Accounts receivable automation handles invoice generation, payment reminders, reconciliation, and collections. The system reduces manual AR work by up to 90%, freeing finance teams to focus on strategic activities rather than chasing payments.
Agentic Collections deploys automated multi-channel sequences across email, SMS, and voice AI with intelligent escalation based on buyer response patterns. The system pauses automatically when payments or disputes arrive and logs all interactions to invoice records. This preserves customer relationships with professional, friendly communication rather than aggressive collection tactics.
Integration and Implementation
Resolve Pay provides native integrations with major e-commerce platforms including Shopify, BigCommerce, Magento, and WooCommerce. Accounting and ERP connections include QuickBooks Online, Xero, Sage Intacct, and NetSuite with two-way sync for invoice and payment data.
Resolve Pay is designed to get eligible businesses set up within days. Its ecommerce, accounting, ERP, and API integration options help reduce the implementation burden for B2B sellers.
Resolve Pay is SOC 2 Type II attested and offers branded payment experiences that help sellers maintain a consistent customer experience.
Customer Results
Documented outcomes demonstrate the platform's impact on B2B growth:
- Archipelago Lighting tripled revenue after implementing Resolve Pay, reducing net terms approval time from 10 days to 24 hours
- SS&SI Dealer Network achieved 5x revenue growth through the platform
- ConEquip reported 30% year-over-year growth
- Trenchless Supply reduced AR workload by 90% with credit approvals under 24 hours
- Elston Materials increased margins from 25% to 30%
Resolve Pay's Target Market
Resolve Pay serves mid-market B2B suppliers with $1M+ annual revenue who need to:
- Offer competitive net terms while reducing credit risk exposure
- Receive cash within 24 hours instead of waiting 30-90 days
- Reduce manual credit checks and collections work
- Integrate with existing e-commerce and accounting systems
- Deploy quickly without enterprise-level complexity
How The Three Solutions Compare
Understanding the fundamental product differences helps businesses select the right solution for their specific needs.
Who Receives the Credit
Resolve Pay and TreviPay: Your business customers receive credit in the form of payment terms. You extend Net 30/60/90, receive cash quickly, and the platform handles buyer credit risk and collections.
Forward Financing: Your business receives capital for its own operational use. You receive financing, use it for operations, and repay according to your financing agreement.
Risk Structure Differences
Resolve Pay: Non-recourse advances are available on eligible approved invoices. This structure helps protect sellers from covered buyer non-payment risk, subject to the applicable agreement and repurchase provisions.
TreviPay: Flexible risk models including shared-risk and full-risk assumption options depending on enterprise contract structures.
Forward Financing: Repayment depends on the financing product. Its revenue-based financing uses payments tied to a percentage of business revenue, while its business loan product follows separate loan terms.
Implementation Approaches
Resolve Pay: Setup is typically completed within days, with integration options across major ecommerce, accounting, and ERP systems.
TreviPay: TreviPay states that its managed enterprise implementation services can launch programs in as little as six weeks for enterprise deployments involving API integration and comprehensive training.
Forward Financing: Application decisions typically arrive in hours, with funding timing subject to approval and transfer method. Forward Financing is not a platform that requires implementation since it provides direct financing to businesses.
Technology and Integration Capabilities
Platform capabilities differ significantly based on target market and use case.
E-Commerce Integration:
- Resolve Pay: Native plugins for Shopify, BigCommerce, WooCommerce, and Magento enable embedded checkout experiences where buyers can select net terms during purchase
- TreviPay: Enterprise platform integrations with custom API implementation. Magento integration available through marketplace
- Forward Financing: Not applicable. As a financing provider rather than payment platform, Forward Financing does not integrate with e-commerce systems
Accounting/ERP Connections:
- Resolve Pay: Two-way sync with QuickBooks Online, Xero, Sage Intacct, and NetSuite. Automatic payment reconciliation and bookkeeping updates
- TreviPay: Enterprise ERP integration through custom API implementation. Advanced dealer management system connections
- Forward Financing: Limited integration. Financing management occurs within Forward Financing's systems
AI and Automation:
- Resolve Pay: AI-powered credit decisions in seconds to 48 hours, LLM-powered invoice processing, and automated reconciliation reducing manual work by up to 90%
- TreviPay: AI-enhanced AR automation at enterprise scale with global e-invoicing compliance
- Forward Financing: Proprietary underwriting algorithms evaluating cash flow across hundreds of industry segments
Compliance and Security
Enterprise deployment requirements vary across platforms.
Resolve Pay: SOC 2 Type II attested, with controls independently audited as part of its security program. Supports regulated industry deployments requiring data security compliance.
TreviPay: Enterprise security posture serving Fortune 500 clients across regulated industries globally.
Forward Financing: Forward Financing currently holds an A+ BBB rating. A BBB rating reflects the Better Business Bureau's assessment and is not a regulatory designation.
Why Resolve Pay Fits B2B Sellers
Resolve Pay helps manufacturers, distributors, wholesalers, and other B2B sellers extend payment terms without waiting through the full receivables cycle. It combines essential credit-to-cash capabilities into one connected workflow:
- Credit decisioning
- Net terms financing
- Accounts receivable automation
- B2B payments
- Collections management
Supporting Cash Flow and Receivables
Non-recourse advances on eligible approved invoices help sellers access cash sooner while reducing exposure to covered buyer credit defaults.
Resolve Pay also integrates with ecommerce, ERP, and accounting systems, allowing businesses to incorporate net terms into existing credit-to-cash processes without managing separate platforms for each step.
Research from the Federal Reserve Small Business Credit Survey highlights uneven cash flow as a common financial challenge for small businesses. Resolve Pay helps address this by enabling suppliers to offer competitive payment terms while maintaining predictable cash flow.
Why Resolve Pay Stands Out
While TreviPay and Forward Financing represent different financial models, Resolve Pay remains the relevant choice for B2B suppliers focused on:
- Offering flexible customer payment terms
- Improving accounts receivable operations
- Strengthening cash flow through an integrated net terms platform
Frequently Asked Questions
How Does Resolve Pay Help B2B Sellers Offer Net Terms?
Resolve Pay combines buyer credit decisioning, net terms financing, accounts receivable automation, payments, and collections. Sellers can offer approved business buyers flexible payment terms while accelerating access to cash on eligible invoices. The platform handles credit assessment, advances cash to sellers, manages collections, and provides non-recourse protection on eligible approved invoices subject to program terms.
How Does Resolve Pay's Non-Recourse Financing Work?
Resolve Pay provides non-recourse advances on eligible approved invoices. This means sellers generally keep the amount already advanced if a covered approved buyer does not pay, subject to the applicable agreement and repurchase provisions. This structure helps sellers reduce exposure to buyer credit risk while offering competitive payment terms to grow their customer base.
How Quickly Can A Business Get Started With Resolve Pay?
Resolve Pay states that eligible businesses can typically get set up within days. Its integration options include major ecommerce platforms like Shopify and BigCommerce, accounting systems like QuickBooks and Xero, ERP platforms like NetSuite and Sage Intacct, plus API-based workflows. Most implementations complete quickly without lengthy IT projects or extensive technical resources.
What Types Of Businesses Does Resolve Pay Serve?
Resolve Pay is designed for B2B sellers such as manufacturers, distributors, wholesalers, and suppliers with $1M+ annual revenue that want to offer customer payment terms while improving cash flow and streamlining accounts receivable operations. The platform serves mid-market companies that need net terms capabilities without enterprise-level complexity or extended implementation timelines.
Can I Use Resolve Pay If I Also Need Working Capital For My Own Business?
Yes. Resolve Pay addresses your need to offer net terms to customers while accelerating cash flow on those invoices. For your own working capital needs, you would use a separate business financing solution. These products serve different purposes and can complement each other: Resolve Pay helps you finance your customers' purchases, while business financing providers help you finance your own operations.
This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.
